Company Overview - Tompkins Financial (TMP) is headquartered in Ithaca and operates in the Finance sector, with a year-to-date stock price change of 3.44% [3] - The company currently pays a dividend of $0.62 per share, resulting in a dividend yield of 3.53%, which is significantly higher than the Banks - Northeast industry's yield of 2.54% and the S&P 500's yield of 1.52% [3] Dividend Performance - The current annualized dividend of Tompkins Financial is $2.48, reflecting a 1.6% increase from the previous year [4] - Over the past five years, the company has increased its dividend four times, achieving an average annual increase of 4.01% [4] - The company's payout ratio stands at 50%, indicating that it distributes 50% of its trailing 12-month earnings per share as dividends [4] Earnings Growth - The Zacks Consensus Estimate for Tompkins Financial's earnings in 2025 is projected at $5.46 per share, which corresponds to a year-over-year earnings growth rate of 9.86% [5] Investment Appeal - Tompkins Financial is positioned as an attractive investment opportunity due to its strong dividend yield and solid earnings growth prospects [7] - The stock holds a strong Zacks Rank of 2 (Buy), indicating favorable market sentiment [7]

Summary of Key Points Core Viewpoint - Tompkins Financial Corporation (NYSE: TMP) has experienced a stock price decline of approximately 6% since the last report in November 2024, where the company was downgraded to a hold rating [1]. Financial Performance - The company has released its fourth quarter earnings results, although specific details regarding the earnings figures are not provided in the text [1].

Company Overview - Tompkins Financial (TMP) is headquartered in Ithaca and operates in the Finance sector [3] - The stock has experienced a price change of 3.3% since the beginning of the year [3] Dividend Information - Tompkins Financial currently pays a dividend of $0.62 per share, resulting in a dividend yield of 3.54% [3] - The average dividend yield for the Banks - Northeast industry is 2.56%, while the S&P 500's yield is 1.5% [3] - The company's annualized dividend of $2.48 has increased by 1.6% from the previous year [4] - Over the past five years, Tompkins Financial has raised its dividend four times, averaging an annual increase of 4.01% [4] - The current payout ratio is 50%, indicating that the company pays out 50% of its trailing 12-month EPS as dividends [4] Earnings Expectations - The Zacks Consensus Estimate for 2025 earnings is $5.29 per share, with an expected increase of 6.44% from the previous year [5] Investment Considerations - Dividends are favored by investors for various reasons, including improving stock investing profits and providing tax advantages [6] - High-growth firms or tech start-ups typically do not offer dividends, while larger, established companies are often seen as better dividend options [7] - Tompkins Financial is considered a compelling investment opportunity due to its strong dividend profile and a Zacks Rank of 3 (Hold) [7]

Financial Performance - Net income attributable to Tompkins Financial Corporation for the three months ended September 30, 2024, was $18,669 thousand, a significant recovery from a loss of $33,323 thousand in the same period last year[13]. - Comprehensive income attributable to Tompkins Financial Corporation was $53,108 thousand for the three months ended September 30, 2024, compared to a loss of $13,863 thousand in the prior year[12]. - The company reported a net income of $51,285 thousand for the nine months ended September 30, 2024, compared to a loss of $5,405 thousand in the same period of 2023[14]. - Net income attributable to Tompkins Financial Corporation for the nine months ended September 30, 2024, was $51,192,000, compared to a net loss of $(5,498,000) for the same period in 2023[16]. - Total comprehensive income for the nine months ended September 30, 2024, was $53,139,000, reflecting a recovery from a total comprehensive loss of $(13,832,000) in the previous year[19]. - The company reported a net loss of $5,498,000 for the three months ended September 30, 2024, compared to a net loss of $13,523,000 in the same period of 2023, reflecting an improvement of 59.3%[144]. Assets and Liabilities - Total assets increased to $8,006,427 thousand as of September 30, 2024, up from $7,819,749 thousand at December 31, 2023, representing a growth of 2.4%[9]. - Total deposits reached $6,577,896 thousand, reflecting a growth of 2.8% compared to $6,399,847 thousand at the end of 2023[9]. - Total liabilities increased to $7,285,079 thousand from $7,149,815 thousand, reflecting a growth of 1.9%[9]. - Total equity rose to $721,348 thousand as of September 30, 2024, compared to $669,934 thousand at the end of 2023, marking an increase of 7.7%[9]. - The company’s common stock issued decreased slightly from 14,441,830 shares at December 31, 2023, to 14,426,922 shares at September 30, 2024[9]. Loans and Credit Losses - Net loans and leases rose to $5,825,877 thousand, an increase of 4.9% from $5,554,351 thousand in the previous year[9]. - The allowance for credit losses increased to $55,384 thousand, up from $51,584 thousand, indicating a proactive approach to risk management[9]. - Provision for credit loss expense increased to $5,200,000 from $2,578,000 year-over-year[16]. - The total past due loans as of September 30, 2024, amounted to $44,073,000, with a total of $5,842,422,000 in current loans[59]. - The company did not record an allowance for credit losses for U.S. Treasury securities and government-sponsored enterprise securities as of September 30, 2024, due to their risk-free status[48]. Income and Expenses - Total interest income for the nine months ended September 30, 2024, was $257,552,000, up from $216,573,000 in the prior year, reflecting a growth of 18.9%[143][144]. - Noninterest expenses for the nine months ended September 30, 2024, totaled $39,329,000, down from $41,403,000 in the same period of 2023[119]. - Total noninterest income for the nine months ended September 30, 2024, was $67,298,000, compared to a loss of $8,609,000 for the same period in 2023, representing a significant recovery[130]. - The company reported net gains on the sale of loans originated for sale of $387,000 for the three months ended September 30, 2024, compared to $21,000 in the same period of 2023[119]. Regulatory and Market Environment - The company is subject to comprehensive regulation by the Federal Reserve Board and other regulatory authorities, ensuring compliance with various financial regulations[23][24]. - The Company operates in a highly competitive market for commercial banking and financial services, facing competition from various financial institutions with greater resources[196]. - Management believes that the Company's community-based approach enhances its ability to establish personalized financial relationships, contributing to its competitiveness[197]. Shareholder Information - Basic EPS for the three months ended September 30, 2024, was $1.31, a significant improvement from a loss of $2.35 in the prior year[97]. - For the nine months ended September 30, 2024, net income available to common shareholders was $51,192, compared to a loss of $5,498 in the same period of 2023[98]. - The weighted average shares outstanding for the three months ended September 30, 2024, was 14,215,607, slightly up from 14,185,763 in the same period of 2023[97]. Investment and Securities - The total available-for-sale debt securities as of September 30, 2024, amounted to $1,309,279,000, compared to $1,416,650,000 as of December 31, 2023, indicating a decrease of 7.6%[147][149]. - The fair value of available-for-sale debt securities with unrealized losses as of September 30, 2024, was $979,560,000, with total unrealized losses of $113,493,000[41]. - The company realized gains of $50,300,000 on sales of available-for-sale debt securities for both the three and nine months ended September 30, 2024, compared to realized losses of $62.9 million and $70.0 million for the same periods in 2023[40]. Forward-Looking Statements - Forward-looking statements in the report highlight risks related to economic conditions, interest rates, and regulatory changes that could impact future performance[201]. - The Company does not undertake any obligation to update its forward-looking statements, acknowledging the uncertainties involved[202].

Financial Performance - Diluted earnings per share for Q3 2024 were $1.30, up 18.2% from Q2 2024 and up 155.3% from Q3 2023[1] - Net income for Q3 2024 was $18.6 million, an increase of $3.0 million or 18.9% compared to Q2 2024, and up $52.0 million or 155.9% from Q3 2023[1] - Year-to-date net income for the nine months ended September 30, 2024, was $51.2 million, up $56.7 million from a net loss of $(5.5) million for the same period in 2023[2] - Net income attributable to Tompkins Financial Corporation was $18,638 thousand for the three months ended September 30, 2024, compared to a loss of $33,354 thousand in the same period last year[23] Income and Revenue - Noninterest income for Q3 2024 was $23.4 million, up $65.0 million or 156.2% compared to Q3 2023[9] - Noninterest income totaled $23,385 thousand for the three months ended September 30, 2024, compared to $21,776 thousand in the previous quarter, indicating an increase of 7.4%[23] Loans and Deposits - Total loans at September 30, 2024, increased by $119.4 million or 2.1% from June 30, 2024, and by $446.4 million or 8.2% from September 30, 2023[4] - Total loans reached $5,881,261 thousand, up from $5,434,860 thousand in the same period last year, representing an increase of about 8.2%[28] - Average total deposits for Q3 2024 were $6.4 billion, up $41.4 million or 0.7% from Q2 2024, but down $67.0 million or 1.0% from Q3 2023[8] - Total deposits rose to $6,577,896 thousand from $6,623,436 thousand a year ago, a decrease of approximately 0.7%[28] Asset Management - Total assets increased to $8,006,427 thousand as of September 30, 2024, compared to $7,819,749 thousand at December 31, 2023, reflecting a growth of 2.4%[21] - Total assets increased to $7,914,924, up from $7,810,061 in the previous quarter, reflecting a growth of 1.33%[24] - Total interest-earning assets rose to $7,638,314, compared to $7,547,689 in the prior quarter, marking an increase of 1.20%[24] Credit Quality - Provision for credit losses for Q3 2024 was $2.2 million, compared to $1.2 million for the same period in 2023[13] - The provision for credit loss expense was $2,174 thousand for the three months ended September 30, 2024, compared to $1,150 thousand in the same period last year, reflecting a significant increase[23] - The allowance for credit losses represented 0.94% of total loans and leases at September 30, 2024, up from 0.92% at June 30, 2024[12] - Total loans and leases past due and accruing reached $7,224 million, with $193 million in loans and leases 90 days past due[31] - The allowance for credit losses at the end of the period was $55,384 million, reflecting a provision for credit losses of $3,237 million[31] - Nonperforming loans and leases as a percentage of total loans and leases decreased to 1.06% from 1.08%[32] Capital and Ratios - Capital ratios at September 30, 2024, remained well above regulatory minimums, with Tier 1 capital to average assets at 9.19%[16] - Total equity rose to $696,532, up from $662,969 in the previous quarter, reflecting a growth of 5.06%[24] - The total capital ratio to risk-weighted assets was 13.21%, slightly down from 13.26%[32] - The tangible common equity (Non-GAAP) increased to $626,095 million, compared to $580,783 million in the previous quarter[34] - The tangible book value per share (Non-GAAP) rose to $43.50, up from $40.35[34] Interest and Yield - Net interest margin for Q3 2024 was 2.79%, improved from 2.73% in Q2 2024 and 2.75% in Q3 2023[3] - Net interest income after provision for credit loss expense was $51,019 thousand for the three months ended September 30, 2024, compared to $48,781 thousand for the previous quarter, representing a growth of 2.5%[23] - The average yield on total interest-earning assets improved to 4.66%, up from 4.56% in the previous quarter[24] - The average yield on total loans and leases increased to 5.32%, compared to 5.22% in the previous quarter, indicating improved loan profitability[24] - The interest rate spread increased to 1.95%, compared to 1.91% in the previous quarter, indicating improved profitability[24]

Earnings Performance - Diluted earnings per share for Q2 2024 were $1.10, down 6.8% from Q1 2024, but up 86.4% from $0.59 in Q2 2023[1] - Net income for Q2 2024 was $15.7 million, down 7.1% from the prior quarter, but up 85.0% from $8.5 million in Q2 2023[1] - Year-to-date net income for the first half of 2024 was $32.6 million, an increase of 16.9% compared to $27.9 million in the same period of 2023[2] - Net income attributable to Tompkins Financial Corporation was $15,682 thousand for the three months ended June 30, 2024, compared to $8,475 thousand for the same period in 2023, an increase of 85.66%[28] - Basic earnings per share for the three months ended June 30, 2024, was $1.10, compared to $0.59 for the same period in 2023, an increase of 86.44%[28] - The company reported a net income of $15,682 for the quarter, compared to $16,872 in the previous quarter, a decrease of 7.1%[36] Income and Revenue - Net interest income for Q2 2024 was $51.0 million, up from $50.7 million in Q1 2024, but down from $51.9 million in Q2 2023[5] - Noninterest income for Q2 2024 was $21.8 million, up 72.6% compared to the same period in 2023[12] - Net interest income after provision for credit loss expense was $48,781 thousand for the three months ended June 30, 2024, compared to $49,643 thousand for the same period in 2023, a decrease of 1.74%[28] - Noninterest income totaled $21,776 thousand for the three months ended June 30, 2024, compared to $12,615 thousand for the same period in 2023, an increase of 72.56%[28] - Net interest income for the year-to-date period ended June 30, 2024, was $101,628 thousand, compared to $106,142 thousand for the same period in 2023[33] Assets and Liabilities - Total assets increased to $7,869,522 thousand as of June 30, 2024, compared to $7,819,749 thousand at December 31, 2023, reflecting a growth of 0.64%[27] - Net loans and leases rose to $5,708,805 thousand, up from $5,554,351 thousand, marking an increase of 2.77%[27] - Total deposits at June 30, 2024, were $6.3 billion, down 2.5% from March 31, 2024, and down 2.6% from June 30, 2023[9] - Total deposits decreased to $6,285,896 thousand from $6,399,847 thousand, a decline of 1.77%[27] - Total loans and leases rose to $5,687,548 thousand in Q2 2024, compared to $5,621,604 thousand in Q1 2024, reflecting a net interest margin of 5.22%[30] Credit Quality - Nonperforming assets represented 0.79% of total assets at June 30, 2024, up from 0.41% at June 30, 2023[18] - The provision for credit loss expense was $2,172 thousand for the three months ended June 30, 2024, compared to $2,253 thousand for the same period in 2023, a decrease of 3.59%[28] - Nonperforming loans and leases totaled $62,468, slightly down from $62,695 in the previous quarter, indicating a decrease of 0.4%[37] - The allowance for credit losses increased to $53,059 thousand in Q2 2024 from $51,704 thousand in Q1 2024[34] - The allowance for credit losses at the end of the period was $53,059, up from $51,704 in the prior quarter, marking a 2.6% increase[38] Capital and Ratios - The ratio of total capital to risk-weighted assets was 13.26% at June 30, 2024, compared to 14.48% at June 30, 2023[20] - Total capital to risk-weighted assets ratio was 13.26%, slightly down from 13.43% in the previous quarter, a decrease of 1.3%[38] - The company reported a total equity of $676,093 thousand as of June 30, 2024, up from $669,934 thousand at December 31, 2023, an increase of 0.17%[27] - Total equity as of June 30, 2024, was $662,969 thousand, down from $666,752 thousand at the end of March 2024[30] Deposits and Interest Rates - The loan to deposit ratio at June 30, 2024, was 91.7%, compared to 87.5% for the prior quarter[9] - Average cost of deposits rose to 1.61%, up from 1.54% in the previous quarter, reflecting an increase of 4.5%[38] - Interest-bearing deposits totaled $4,486,094 thousand in Q2 2024, an increase from $4,535,107 thousand in Q1 2024, with an average yield of 2.27%[30] - The interest rate spread decreased to 1.91% in Q2 2024 from 1.95% in Q1 2024[30] - The average yield on total interest-earning assets improved to 4.56% in Q2 2024 from 4.47% in Q1 2024[30]

Financial Performance - Net income attributable to Tompkins Financial Corporation for the three months ended March 31, 2024, was $16,872 thousand, down 13.0% from $19,381 thousand for the same period in 2023[14]. - Basic earnings per share decreased to $1.19 for Q1 2024, down from $1.35 in Q1 2023, a decline of 11.9%[14]. - Total comprehensive income for the first quarter of 2024 was $7,092,000, significantly lower than $40,255,000 reported in the first quarter of 2023[23]. - Net income available to common shareholders for Q1 2024 was $16,872,000, down from $19,381,000 in Q1 2023, a reduction of about 7.76%[82]. - Return on average assets (ROA) for Q1 2024 was 0.87%, compared to 1.03% in Q1 2023; return on average shareholders' equity (ROE) was 10.18%, down from 12.45% in the same period[168]. Income and Revenue - Total interest and dividend income increased to $83,183 thousand for Q1 2024, a rise of 19.9% compared to $69,238 thousand in Q1 2023[14]. - Noninterest income rose to $22,137 thousand in Q1 2024, up 8.5% from $20,400 thousand in Q1 2023[14]. - The total noninterest income for the three months ended March 31, 2024, was $22,137,000, an increase from $20,400,000 in the same period of 2023, representing a growth of approximately 8.5%[99]. - Commissions and fees from insurance revenues increased to $10,259,000 for the three months ended March 31, 2024, compared to $9,509,000 in 2023, reflecting a rise of 7.9%[99]. - Trust and asset management income rose to $4,468,000 for the three months ended March 31, 2024, up from $3,435,000 in 2023, indicating a growth of 30.1%[99]. Expenses - Total noninterest expenses slightly decreased to $49,857 thousand in Q1 2024 from $50,158 thousand in Q1 2023, a reduction of 0.6%[14]. - Noninterest expenses decreased by $485,000 or 1.2% to $39.4 million in Q1 2024, with reductions in salary and employee benefits[174]. - The net periodic benefit cost for pension benefits was reported as a cost of $141,000 for the three months ended March 31, 2024, compared to a cost of $72,000 in 2023[88]. - The marketing expense for the three months ended March 31, 2024, was $975,000, a decrease from $1,105,000 in the same period of 2023[91]. Assets and Liabilities - Total assets decreased to $7,778,034 thousand as of March 31, 2024, from $7,819,749 thousand as of December 31, 2023, representing a decline of 0.5%[12]. - Total deposits increased to $6,449,616 thousand as of March 31, 2024, compared to $6,399,847 thousand as of December 31, 2023, reflecting a growth of 0.8%[12]. - The total available-for-sale debt securities as of March 31, 2024, amounted to $1,366,355,000, down from $1,416,650,000 at December 31, 2023[37]. - The fair value of available-for-sale debt securities as of March 31, 2024, was $1.366 billion, a decrease from $1.416 billion at December 31, 2023[115]. - The fair value of held-to-maturity debt securities totaled $265,102,000 as of March 31, 2024, compared to $312,415,000 at the end of the previous quarter[38]. Loans and Credit Quality - Total loans and leases increased to $5,645,359,000 as of March 31, 2024, up from $5,610,929,000 on December 31, 2023, representing a growth of approximately 0.6%[52]. - Nonaccrual loans totaled $41,905,000 as of March 31, 2024, with no related allowance for credit losses, indicating a focus on managing credit risk[57]. - The allowance for credit losses on loans and leases increased to $51,704,000 as of March 31, 2024, from $51,584,000 at the beginning of the period, reflecting a net increase of $120,000[69]. - The provision for credit loss expense for the three months ended March 31, 2024, was $348,000, compared to a provision expense of $(1,180,000) for the same period in 2023, indicating a significant improvement[70]. - The company recognized $0 of interest income on nonaccrual loans during the three months ended March 31, 2024, highlighting potential challenges in loan recoverability[59]. Market and Regulatory Information - Tompkins Financial Corporation's common stock is traded on the NYSE American under the symbol "TMP" and is regulated under the Bank Holding Company Act[25]. - The company adopted ASU 2023-02, which allows for consistent accounting for equity investments made primarily for tax credits, effective for fiscal years beginning after December 15, 2023[31]. - The company expects average assets to exceed $8.0 billion for the 2024 tax year, impacting tax benefits eligibility[202]. Strategic Initiatives - The Company is focused on responsible and sustainable growth, including potential acquisitions of financial institutions and branches to enhance its market presence[149]. - Tompkins Community Bank operates 55 banking offices, with 39 in New York and 16 in Pennsylvania, providing a range of commercial and consumer banking services[150]. - The Company aims to enhance its wealth management services through Tompkins Financial Advisors, which offers investment management and financial planning[151]. - Tompkins Insurance has successfully consolidated smaller insurance agencies into its operations, expanding its service offerings in the market areas served by the banking subsidiaries[152].

Earnings Performance - Diluted earnings per share for Q1 2024 were $1.18, up 12.4% from the previous quarter, but down 12.6% from $1.35 in Q1 2023[1] - Net income for Q1 2024 was $16.9 million, a 12.5% increase from the prior quarter, but a 13.0% decrease from $19.4 million in Q1 2023[2] - Net income attributable to Tompkins Financial Corporation was $16,872 thousand for Q1 2024, down from $19,381 thousand in Q1 2023, a decline of 13.00%[26] - Basic earnings per share for Q1 2024 was $1.19, compared to $1.35 in Q1 2023, reflecting a decrease of 11.85%[26] - Basic earnings per share for the quarter were $1.19, compared to $1.06 in the previous quarter[31] Income and Revenue - Noninterest income for Q1 2024 was $22.1 million, up 8.5% from Q1 2023, driven by increases in fee-based revenues[11] - Interest and dividend income for Q1 2024 was $83,183 thousand, up 19.99% from $69,238 thousand in Q1 2023[26] - Net interest income after provision for credit loss expense was $49,821 thousand, a decrease of 9.83% compared to $55,071 thousand in Q1 2023[26] - Noninterest income increased to $22,137 thousand, up from $20,400 thousand in Q1 2023, marking an increase of 8.54%[26] - Noninterest income for the quarter was $22,137 thousand, an increase from $18,850 thousand in the previous quarter[31] Expenses and Costs - Total operating expenses were $49.9 million in Q1 2024, down 2.8% from Q4 2023 and 0.6% from Q1 2023[9] - Average cost of deposits rose to 1.54% in Mar-24 from 1.43% in Dec-23, reflecting increased funding costs[33] Loans and Assets - Average loans increased by $134.9 million, or 2.5%, from Q4 2023, and by $370.3 million, or 7.1%, from Q1 2023, mainly in the commercial real estate portfolio[7] - Total loans and leases rose to $5,621,604 thousand, with net interest income from loans at $71,779 thousand, yielding 5.14%[28] - Total loans and leases past due and accruing increased to $8,166,000 in Mar-24 from $4,311,000 in Dec-23, reflecting a significant rise[33] Interest and Margins - Net interest income decreased to $50.7 million in Q1 2024, down from $52.4 million in Q4 2023 and $54.2 million in Q1 2023, primarily due to increased funding costs[5] - The net interest margin for Q1 2024 was 2.73%, down from 2.82% in Q4 2023 and 2.99% in Q1 2023, due to higher funding costs[4] - The interest rate spread for Q1 2024 was 1.95%, down from 2.09% in the previous quarter[27] - The interest rate spread decreased to 1.95% from 2.55% year-over-year[28] - Average yield on interest-earning assets increased to 4.47% in Mar-24 from 4.34% in Dec-23, reflecting better asset performance[33] Deposits and Liquidity - Total deposits at March 31, 2024, were $6.4 billion, up $49.8 million, or 0.8%, from December 31, 2023, but down $59.4 million, or 0.9%, from March 31, 2023[9] - Total deposits rose to $6,449,616 thousand, an increase of 0.78% from $6,399,847 thousand[24] - The Company's liquidity position included $1.5 billion in ready access liquidity, representing 19.3% of total assets at March 31, 2024[20] Credit Quality - The allowance for credit losses was 0.92% of total loans at March 31, 2024, up from 0.87% at March 31, 2023[14] - The allowance for credit losses increased to $51,704 thousand, up from $51,584 thousand in the previous quarter[29] - The provision for credit losses was $348,000 in Mar-24, a decrease from $2,658,000 in Dec-23, suggesting improved credit quality[33] - Nonperforming assets totaled $62,695 thousand, with nonaccrual loans and leases at $62,544 thousand[32] - Nonperforming loans and leases to total loans and leases ratio remained stable at 1.11% in Mar-24, unchanged from Dec-23[33] Capital and Equity - Total equity decreased slightly to $669,338 thousand as of March 31, 2024, from $669,934 thousand as of December 31, 2023[24] - The total capital to risk-weighted assets ratio was 13.43% in Mar-24, up from 13.36% in Dec-23, indicating strong capital adequacy[33] - Tangible book value per share (Non-GAAP) was $39.85 in Mar-24, slightly down from $39.88 in Dec-23[35] Asset Management - Total assets decreased to $7,778,034 thousand as of March 31, 2024, from $7,819,749 thousand as of December 31, 2023, representing a decline of 0.53%[24] - Total interest-earning assets increased to $7,517,705 thousand with a net interest income of $50,675 thousand, reflecting a yield of 4.47%[28]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______to ______ Commission File Number 1-12709 Tompkins Financial Corporation (Exact name of registrant as specified in its charter) (State or other jurisdicti ...

United States Securities and Exchange Commission Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____ to ______ Commission File Number 1-12709 Tompkins Financial Corporation (Exact name of registrant as specified in its charter) (State or other jurisdiction of ...